CONSUMER DEBT COLLECTION
Consumer Debt Collection, Fair and Firm
We recover unpaid consumer accounts for businesses in all 50 states and Canada: respectful, compliant with the FDCPA, and firm when it needs to be.
Have you been contacted about a debt? Visit Resolve Your Account.
B2C collections
Fair, respectful and effective
Consumer debt collection recovers unpaid debts from individuals for personal loans, credit cards, utilities, services and other consumer obligations. We handle these accounts with a balanced approach: firm when necessary, always respectful and compliant.
Our team operates under the Fair Debt Collection Practices Act (FDCPA) and equivalent Canadian regulations. The goal is simple: fair, professional resolutions that benefit creditors and consumers while preserving long-term relationships and trust.
- All 50 states and Canada
Consistent quality across every state and province we serve.
- FDCPA compliant
Regular compliance and ethics training for every team member.
- Skip tracing
Advanced technology to locate customers accurately.
- Dedicated representative
On-demand updates on every claim you place.
What we collect
Consumer accounts we recover
Personal loans
Installment and private loans that fell behind.
Retail & credit accounts
Store credit, financing and card balances.
Utility accounts
Final bills and unpaid service balances.
Service contracts
Home services, repairs and subscriptions left unpaid.
Memberships & dues
Gyms, clubs and associations with members in arrears.
Returned payments
Bounced checks and reversed payments.
Our approach
How we recover consumer debt
Step 1: Locate & contact
Advanced skip tracing finds customers accurately, then professional, non-confrontational outreach by phone, email and mail.
Step 2: Negotiate
Flexible payment plans, settlements and hardship options that reflect each debtor's financial reality.
Step 3: Report
On-demand updates from your dedicated account representative on the status and progress of each claim.
Step 4: Legal action, if needed
When amicable solutions fail, licensed attorneys in our network proceed, following state-specific collection laws.
Who we help
Businesses with individual customers
From local service providers to national organizations, our consumer collection is tailored to your compliance requirements and customer base.
Utility providers
Electric, water, telecom and other providers with final-bill balances.
Lenders & financial institutions
Credit unions, finance companies and retail lenders.
Retail & e-commerce
Online and in-store sellers with unpaid customer accounts.
Read the guideMemberships & services
Gyms, clubs and service businesses with delinquent members.
Read the guide
Why Key Debt Recovery
Protect your reputation while you recover
Partnering with Key Debt Recovery means more than reclaiming lost revenue: it's about protecting your organization's reputation and fostering accountability.
- Enhanced cash flow through streamlined recovery processes
- Ethical, compliant practices that reflect positively on your brand
- Custom reporting and insights for smarter account management
- Reduced delinquency rates and improved customer relations
- Nationwide coverage, with consistent quality across all 50 states and Canada
Ready to place an account?
What to send us
- An account statement or invoice showing the balance
- The signed agreement or terms of service
- The customer's name, last known address, phone and email
- Payment history and past notices
or call (888) 515-5397
Are you FDCPA compliant?
Yes. We operate under the Fair Debt Collection Practices Act and equivalent Canadian regulations, and every team member completes regular compliance and ethics training.
How will you treat our customers?
Every outreach is professional and non-confrontational. We offer flexible payment plans, settlements and hardship options that reflect each debtor's financial reality, which encourages voluntary payment.
What if we can't find the customer?
We use advanced skip tracing to locate individuals accurately and reach them through verified channels.
Do you take legal action?
Only when amicable solutions aren't possible, and only with your approval. We coordinate with a network of licensed attorneys and follow state-specific collection laws.
How do I get started?
Submit the account online or call us for a free case review. Send the statement, the agreement and the customer's details, and our team reviews the account.
Related
More ways we help
Customers who stopped paying?
Place the accounts with us today, or ask for a free quote first. Our team reviews every account placed with us.